Ann... I alerted on On-Line Resources during the Billserv days. My billing experience, while digitalized billing (Billserv) methods were being developed, led me to the BLLS/PYDS business model.
The following suggests Billserv/Payserv/Streamserv solutions can generate a great amount of recurring revenue.
You mentioned Cyberstarts. In retrospect, the business cards we received after the shareholder's meeting, after you mentioned Cyberstarts, caught my attention.
Wishing you and yours the best, before, during & after PYDS up-lists on NASDAQ. Keep an eye out for more STREAM news & updates.